How To Make Financial Wellness Your Reality | Brent Hines | TEDxPleasantGrove
Summary
TLDR演讲者分享了自己2008年7月18日因财务失误而失去一切的个人经历,包括收入、职业和梦想。他强调,财务健康不仅仅是获取更多信息或教育,而是一个更深层次的过程。他介绍了'B do have'模型,强调行为和信念对财务健康的重要性,并挑战听众识别并改变限制性信念,采取行动以改善自己的财务状况。演讲者还讨论了财务健康与生活的其他方面,如健康、情感和精神生活之间的联系,并呼吁不要将财务健康变成一个空洞的口号,而是一个全面的操作系统。
Takeaways
- 😔 2008年7月18日,演讲者因金融问题失去了收入、事业和未来梦想。
- 🔥 演讲者从小有强烈的野心,希望通过自己的努力证明价值,但最终意识到成功并非只是外在的成就。
- 💡 演讲者意识到财务健康并不仅仅依赖于更多的财务信息或教育,而是更深层次的东西。
- 📚 演讲者提到了BDAH模型(Believe, Do, Have),强调信念、行为和拥有之间的关系。
- 🤔 演讲者反思了为什么在信息如此丰富的今天,人们在金钱管理上的表现却越来越差。
- 🚀 演讲者鼓励人们审视自己的财务行为和信念,以实现财务健康。
- 🌐 演讲者认为,财务健康与生活的多个维度紧密相连,包括身体、情感和精神等方面。
- 💰 演讲者指出,财务健康不仅仅是数字游戏,而是与个人的生活方式和价值观密切相关。
- 📉 演讲者提到,财务问题会影响人们在其他生活领域的健康和幸福。
- 📈 演讲者呼吁人们不要被市场营销和广告所误导,要真正理解财务健康的含义。
- 🤝 演讲者鼓励人们开展关于财务健康的对话,分享个人经验和见解。
Q & A
视频中提到的2008年7月18日发生了什么重大事件,导致讲述者的生活发生了改变?
-2008年7月18日,讲述者失去了他的收入、职业和未来的梦想,因为那一天他所在的公司突然倒闭,他的生活和职业规划因此受到了巨大的冲击。
讲述者在视频中提到了哪些个人背景信息?
-讲述者提到自己小时候家境贫寒,通过自己的努力上了大学,进入了一所优秀的商学院,获得了金融学位,并在一家高端金融服务公司工作,甚至被公司的创始人和CEO亲自培养和指导。
讲述者如何描述自己在公司倒闭后的心理状态?
-讲述者描述自己当时感到非常害怕和无助,他的耳朵还在因为这次财务危机而嗡嗡作响,同时还要面对来自前导师的攻击,这让他感到极度的恐惧和压力。
讲述者认为什么是财务健康的关键因素?
-讲述者认为财务健康的关键不在于拥有更多的财务信息或教育,而在于个人的信仰、行为和习惯,这些是驱动我们达到财务目标的重要因素。
视频中提到的'B do have and believe'模型是什么?
-这是一个由Zig Ziglar提出的模型,它强调行为(Behavior)、信仰(Believe)和拥有(Have)之间的关系,即通过正确的行为和坚定的信仰来实现我们想要拥有的东西。
讲述者为什么认为财务教育或财务健康教育应该关注行为和信仰?
-讲述者认为,市场上的许多财务教育或健康教育产品直接关注于结果(拥有),而忽视了导致这些结果的行为和信仰,而这才是真正影响人们财务状况的关键因素。
讲述者提到了哪些生活中的例子来说明财务压力如何影响我们的生活?
-讲述者提到了身体健康、情感健康和精神生活等方面的例子,如20%的美国人因为财务问题而不愿去看医生,三分之一的美国人认为财务问题是他们关系中最大的压力源,以及收入在75000美元以上的美国人中只有1%的人会向教堂或慈善机构捐款。
讲述者对于财务健康的理解是什么?
-讲述者认为财务健康不仅仅是关于金钱的多少,而是关于个人的信仰、行为和习惯,以及这些因素如何影响我们的生活质量和整体福祉。
讲述者提出了哪些挑战来帮助听众改善他们的财务状况?
-讲述者提出了两个挑战:一是听众能否在当天采取一些行动来积极影响他们的财务健康;二是听众能否清晰地表达出他们对财务健康的定义,并找出阻碍他们实现这一目标的不健康或自我限制的信仰。
讲述者如何看待财务健康在整体生活福祉中的作用?
-讲述者认为财务健康是整体生活福祉的一个重要组成部分,它与其他生活维度(如身体健康、情感健康等)紧密相连,不能孤立地看待。
Outlines
📉 个人财务危机与教训
在第一段中,演讲者分享了自己在2008年7月18日遭遇的个人财务危机。当时,他拥有一个看似成功的职业生涯,但突然之间,所有的收入、职业、未来和梦想都破灭了。他意识到自己的错误和所承担的风险,导致了他和家人的困境。这段经历让他深刻反思,并决心帮助他人避免犯下类似的错误,追求财务健康和幸福。
🤔 财务健康与行为模式
第二段中,演讲者探讨了财务健康的含义,指出它并不仅仅等同于获取更多的财务信息或教育。他通过自己的经历和对文化现象的观察,提出财务健康更多地与个人的行为和信念有关。演讲者介绍了'BE-DO-HAVE'模型,强调行为和信念对于实现财务目标的重要性,并呼吁人们从根本上改变对金钱的看法。
🔄 信念、行为与财务福祉的关联
第三段深入讨论了信念如何驱动财务行为,进而影响个人的财务福祉。演讲者批评了市场上的财务教育和健康产品,认为它们忽视了行为和信念的重要性。他提出,要实现财务健康,需要关注日常生活中的财务习惯,这些习惯会随着时间的积累而产生复利效应。此外,演讲者还提到了财务健康与其他生活维度的相互影响。
🚀 行动与挑战:重塑财务观念
在最后一段中,演讲者向听众提出了两个挑战:首先,鼓励大家识别并采取行动,以改善自己的财务状况;其次,呼吁大家不要被广告和市场营销所误导,不要将财务健康变成一个空洞的口号。演讲者鼓励人们分享自己的财务健康定义,并与他人进行深入的交流,以促进对财务健康更全面的理解。
Mindmap
Keywords
💡财务自由
💡信念
💡行为
💡财务教育
💡财务健康
💡BE-DO-HAVE模型
💡心理脚本
💡财务错误
💡身份认同
💡生活维度
💡财务压力
Highlights
演讲者分享了个人关于金钱的故事,强调了金钱问题的重要性和普遍性。
2008年7月18日,演讲者的生活和事业遭遇巨大挫折,这成为了他分享故事的起点。
演讲者曾是贫困家庭的孩子,通过教育和努力进入金融行业,但最终意识到外在成功并不等同于真正的成就。
演讲者在金融公司的内部问题中,意识到了金钱和身份的紧密联系以及其脆弱性。
经历了财务危机后,演讲者开始重新思考金钱教育和财务健康的重要性。
演讲者认为,财务健康并不仅仅依赖于更多的财务信息或教育。
介绍了B-D-H模型(Believe-Do-Have),强调信念、行为和拥有之间的联系。
演讲者通过自己的经历,说明了信念如何直接影响行为和结果。
演讲者提倡改变对金钱的负面或限制性信念,以促进财务健康。
强调了金钱教育和财务健康不仅仅是数字和信息,而是与个人行为和信念紧密相关。
演讲者提出,财务健康与生活的多个维度(如身体、情感、精神等)相互关联。
通过数据展示了财务问题如何影响美国人的健康和关系。
演讲者挑战听众重新定义财务健康,并立即采取行动改善自己的财务状况。
演讲者鼓励听众识别并改变阻碍财务健康的负面信念。
演讲者呼吁不要将财务健康变成一个空洞的口号,而是一个实际的操作系统。
演讲者提出,通过分享个人故事和经验,可以帮助他人避免财务上的错误。
演讲者以一个开放的问题结束,鼓励听众思考并定义自己对财务健康的理解。
Transcripts
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talking about money can be weird we
acknowledge that but if you've been on
this planet long enough I'm guessing
you've got a story or two to tell
hopefully it's a story of maybe when you
got the money thing right but more
likely than not if you're like the rest
of us there's probably a story or two
that you could tell or maybe you got the
money thing wrong
we've all got stories and I'm here today
to actually share mine with you it was
July 18 2008 Grayson was five Lilly was
three amy was scared and so was I life
had been going good up until that point
I mean having grown up a poor kid I was
charging that trail to go prove the
world wrong that I didn't matter that I
did have good ideas that I would turn
into something that they would pay
attention to me someday that fire in the
belly that drives ambition I mean I had
gotten to I'd worked my way through
college I got into a great business
school earned a degree in finance I was
well on my way to proving them wrong
in turn and then eventually got hired by
a really high-end financial services
firm even was hand-picked and was being
groomed and mentored by the founder and
CEO of that financial company by all
outward measurements I was winning I
seemed to be on the winners path I had
it all had the the income I had the
titles had the perception outward-facing
only in hindsight and it all came
crashing down having that front-row seat
though inside of that firm being groomed
by the CEO I knew what I believed
success to be having grown up without
that looked like success and I wanted it
so I was doing my best imitation of a
million
lifestyle early early on like the flip
of a switch or like the igniting of a
bomb on July 18th it literally all went
away it blew up in my face it was over
it was gone the income the career my
future my dreams
unfortunately my identity unfortunately
was tied to that my ability to provide
for my family he was literally gone I
wasn't sure where to turn and to make it
worse since we're sharing my ears were
still ringing from this financial bomb
having just gone off and yet I was under
attack and unfortunately under attack by
the person who had been my mentor the
prior 15 years and my mentor the prior
who your honor to attack financially
legally reputationally any way that we
could be shot at we were being shot at
and it was daily like a drumbeat like
the fear of not knowing where the next
phone call the next email the next knock
on the door would come from like what
monster is gonna be on the other side of
the door today I still to this day I
can't come up with the words to describe
like that that guttural fear that we had
and then to make it even worse one more
time it was all my fault I mean don't
get me wrong it's easy to want to blame
the people that were attacking you but
the blame was really on me I'm the one
that had left myself and my family Amy
and the kids vulnerable to attack by
mistakes that I had made shortcuts I had
taken and then out of fear my attempt to
try to hide them I owned it it was all
on me
with this being said why would I stand
in front of an audience this size and
tell you such a personal and humbling
story because that that fire my belly as
the poor kid growing up that wanted to
prove the world wrong I had a new fire
in my belly
as we began to recover and learn and
grow from those scariest of days and
that that new fire my belly was if
somebody that you know had the financial
education that I did a degree in finance
from a top Business School and with the
experience and the expertise in the
world in the field of finance if I could
burn my life to the ground then what can
I do to help others that maybe don't
have the background in the history that
I do to prevent them from making even
the smallest percentage of mistakes that
I had made what could I do to help
people pursue a life of what today we
call financial well-being financial
contentment here was my conclusion
financial well-being does not equate to
more financial information or more
financial education because if it was I
would have had that handled it was
clearly about something more than just
more information I mean think about it
guys
today we are more educated we have
access to more information across the
world than any than any time in human
history and literally in the palm of our
hand but yet as a culture especially
here in the United States we tend to be
screwing up this money thing worse than
any generation prior to us where's the
disconnect the disconnect is that
financial well-being does not lie in
having more information as a young man I
was introduced to a model that is
commonly referred to as B do have and
believe in rod I was actually referred
to that model by Zig Ziglar himself in
the form of a a briefcase full of
cassette tapes with the Zig Ziglar
trainer now what a young guy was doing
with a briefcase full of Zig Ziglar
cassette tapes I still can't tell you
but in my mom's basement at that poor
kid growing up I would play those zig
Zigler tapes over and over nerd alert my
friends are pretending to be rock stars
in the basement and I'm pretending to be
Zig Ziglar but Zig presented presented
this concept this model of B do have
to me it made so much sense and it was
actually more than that actually
represented a path out that I was going
to take and I was gonna take mahom and
dad with me like we were gonna get out
of this rut that I felt that we were in
I wanted more so picture be do and have
as Americans pop culture says go
straight to the have now some of the
haves are good like goal-setting we tend
to get very crystal clear about what it
is that we want to have but
unfortunately as Americans especially we
go straight to the haves and what do we
as Americans want to have we want it all
and we want it now like yesterday now I
want it the half I want it now I don't
want to pay for it later the models
suggest that we take a couple of steps
back that the power belongs in the in
the do be do have doing meaning the
behaviors the actions the habits these
are the these are the vehicle that will
take us to the haves one more step back
if this is the vehicle that will take us
to the haves this the be the beam is the
fuel to put in the machine in the
vehicle that will get us there the most
important number that we can remember in
terms of succeeding at financial
well-being is the number six it's the
six inches between our ears this is
where success with money starts the
things that we believe the scripts that
tapes the records that play in our mind
that takes us directly to the behaviors
there's a one-to-one direct correlation
what we believe tends to be what we do
what we do is what's going to drive us
to our results if you had got mediocre
results we can probably unpack the
behaviors and see that your behaviors
were leading direct to mediocracy the
model though if we want to apply it to
finance in terms of have most haves in
people's financial lives or if we're
pursuing financial well-being would be
financial piece or financial outcomes if
you will that lifestyle of finance but
if we want to understand how to get
there we really need to pay attention
- what are those financial behaviors
that are going to take us to our most
important financial goals or the
financial habits these habits occur
hourly daily weekly and they compound if
we want to then fuel those healthiest of
behaviors then we need to pay close
attention to what we believe to be true
about money again the the psychologists
and the behavioral scientists will refer
to these as scripts tapes records they
were given to us by our authoritative
figures in life the vast majority of
those beliefs are negative or they're
self-limiting and to pile on they're
oftentimes repetitive they're running in
the background all the time these
beliefs may be its beliefs about debt or
maybe it's just the way things are
air-quote moment well the way things are
is well normal people have car payments
everyone has credit card debt besides I
earn reward miles and beliefs such as
that so of course we eat out everyone
eats out on and on and on the beliefs
are what fuel the vehicle the vehicle is
what takes us directly to our haves our
beliefs Drive our financial behaviors
which drive us to financial well-being
anything resembling financial education
or financial well wellness even clothes
in the marketplace today seems to go
straight to the have it doesn't pay
attention to the behaviors and it
doesn't pay attention to the beliefs any
guesses as to why it goes straight to
the have because the have is where they
get to tap into at the emotional parts
of our brain and they get to sell us the
dream can you imagine a marketer an
advertiser trying to sell behavior I
mean behavior is not sexy the new car is
sexy the new car smell is sexy the
National Wellness Institute does a
really nice job from a wellness not
financial wellness specifically but from
an overall total well-being perspective
of creating a model for us to understand
what we mean by whole life or our entire
life on purpose
so as we look at these six dimensions of
their of their model in the wheel as you
look at those can you think are there
any of those dimensions that are immune
from our financial well-being or lack
thereof
I say no there's no getting around it
none of these are immune I think there's
a few fundamental truths to life one of
them is is that life is
multi-dimensional it's not simple
we are not simple creatures we're
complex
we're complicated it's deep number two
our financial life does not live in a
vacuum it interacts with all the other
dimensions and none of the dimensions
are mutually exclusive life especially
our financial life looks a lot less like
a spreadsheet looks a lot more like a
lava lamp sometimes like I don't know if
I like the color of my lava lamp but
that's how it is it's not clean and
simple it's not 90-degree edges in
concentric circles sometimes it's messy
but that's where growth comes from some
examples of financial distress if we're
not doing a good job of taking care of
ourselves financially and how it shows
up in art in our overall life as an
example physical our physical dimension
of life and by the way this model is not
meant to to say that this is fully
inclusive of life but these are six
major categories of life so physical
health being one of them 20% of
Americans admit to not going to the
doctor when they need health care
because of financial concerns that's sad
emotional emotional health as an example
one in three Americans who have a
partner in life say that finance is
their top source of stress inside of
their relationship that's maybe a little
more predictable here's a really sad one
well Brett what would what would finance
have to do with the spiritual dimension
of my life that that doesn't I don't
connect those two dots my spiritual life
and my financial well-being of Americans
earning $75,000 a year or more any
guesses as to what percentage of their
gross income do Americans earn in
seventy-five thousand or more give
to church or charity 1% 1% of Americans
earning 75,000 or more give to church or
charity to make it worse there's
actually an inverse relationship of any
income above 75 thousand as an
individual as income goes up giving
percentage actually goes down as a
nation we've got this thing mixed up
guys I'm here to tell you I'm pounding
the drum of pop culture is not doing us
any favors pop culture set what they're
telling us to do is actually almost the
inverse of what we should be doing it's
unhealthy it's time to break those rules
so my challenge for us today is twofold
number one is there something in this
mindset of be do and have is there
something in your financial world today
that you could take action on I mean
literally this very day is there
something you could do this afternoon or
evening on your way home when you get
home that could positively impact your
financial well-being I'll give you one
example if in this day and age of
reality TV if you were leaving here
today and a camera crew jumped out in
front of you and said for $10,000 give
us your definition of financial
well-being in 10 seconds or less go
would you even have the first word to
start and by the way there's no wrong
answer you own it this is your
definition what is financial well-being
to you it might be being debt-free it
might be saving more for retirement
might be a retirement date it might be
saving for your kids or grandkids
college fund it may be a lifestyle
change it may be giving it may be
building legacy everyone's is different
there's not two that are the same so
take action number two once you have
that action defined then can you clearly
state one of the healthiest behaviors in
the business world we call these key
performance indicators what are those
healthiest behaviors that are going to
drive you to your version of financial
well-being and then number three what
can you do to change any unhealthy or
self-limiting scripts or beliefs that
would prevent you from taking that
action that you know is the short
path to getting what you need to find
what you want get clear on the behavior
and then unpack what are some of the
beliefs that are slowing you down or
preventing you from getting going that's
number one you can do that tonight
second challenge is can we agree to not
buy in to the advertising and the
marketing world of turning the word
financial wellness or financial
well-being into an empty buzzword and
can we agree not to allow the financial
industry's deep pockets guys can we
agree not to allow them to misuse the
term financial wellness to just promote
more financial product can we actually
consider financial wellness actually be
an operating system if you like the
model that I present today be do have
wonderful if you like this idea of
alignment of having those aligned and
getting crystal clear on what it is that
you want wonderful but it all comes down
to the operating system versus making
individual financial decisions when
you're under attack from these really
smart really really well funded
marketing and advertising organizations
and who when your life might benefit
from having this conversation with you
when and why this turned into a taboo
topic I have no idea but I grew up with
this belief that talking about money was
personal and private inappropriate even
taboo so are you willing to maybe take
this challenge and say hey who is it in
my life that I could really share a
powerful message with and go and set the
time to them to meet with that person
and we can't have any conversation and
it's not giving them advice it's just a
conversation as dr. Robert Schuller said
years ago beautifully any fool can count
the number of seeds in an apple only God
can count the number of apples in one
seed thank you for listening to my story
today god bless
you
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